2305 E 34th Pl, Panama City, FL 32405 Property Records

Bay County property record for 2305 E 34th Pl, Panama City, FL 32405

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2019
Lot Size	0.665 acres (28,967 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Dec 2006)
Tax Bill	$1,816 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`11833-000-000`

Property Details

APN / Parcel Number

Primary APN	`11833-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	28,967 sqft (0.665 acres)
Lot Dimensions	290 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	452 sqft
Porch	Open Porch
Porch Area	128 sqft
Patio Area	495 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2305 E 34TH PL
City	PANAMA CITY
State	FL
Zip	32405-5601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BC16
Legal Description	22 3S 14W -7.4- MAP 103D4 ST AND BAY DEV CO PLAT BEG 25 N & 100 E OF SW COR OF LOT 68 TH CONT E 100 N 290 W 100 S 290 TO POB ORB 2863 P 1156
Legal Range	14W
Legal Township	03S
Legal Section	22
Legal Subdivision	ST AND BAY DEV CO PLAT
Legal Lot Number	68
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	5
Census Block	5006
Census Tract	1302

Owner

Source: Bay County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2305 E 34TH PL, PANAMA CITY, FL 32405-5601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2006 · Amount on Record
Deed Sale	Dec 12, 2006 · Amount on Record
Deed Document Number	200684117
Deed Book / Page	2863 / 1156
Prior Transfer Date	Dec 8, 2006
Prior Transfer Doc	0028631156
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	2305 E 34TH PL, PANAMA CITY, FL 32405-5601
Document Number	0042262008
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2305 E 34TH PL PANAMA CITY FL 324055601, PANAMA CITY, FL 32405-5601

Mortgage

Document Number	0042262008
Date	Feb 27, 2020
Book Page	004226/002008
Instrument	15194

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

Tax Assessment & Valuation

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,816.00 (+3.01%) Homeowner's exemption	$186,406 (+7.4%)	$206,042 (+6.2%) Land $34,200 Building $171,842
2024	$1,763.00 (+2.26%)
2023	$1,724.00 (+11.59%) Homeowner's exemption	$173,566 (+3%)	$194,006 (+8.45%) Land $34,200 Building $159,806
2022	$1,545.00 Homeowner's exemption	$168,511	$178,897 Land $34,200 Building $144,697

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 115 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	115 in force
Nearby Flood Claims	5 (2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Oct 2018 · Hurricane Michael
Claims by Event	Hurricane Michael, Oct 2018 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNN HAVEN, CITY OF WATER SYSTEM serves 23,380 people · EPA ID FL1030435
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Nov 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20